The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$129,890
−HK$8,145/mo
▼ 0.25% · 3.875%
HK$133,930
−HK$4,105/mo
Today · 4.125%
HK$138,035
baseline
▲ 0.50% · 4.625%
HK$146,434
+HK$8,399/mo
Deposit HK$28.48M · loan HK$28.48M · min. income ≈ HK$276,070/mo (50% DSR)
Upfront cash ≈ HK$30.90M (deposit + AVD stamp duty HK$2,420,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$144,501
−HK$7,807/mo
▼ 0.25% · 3.875%
HK$148,377
−HK$3,931/mo
Today · 4.125%
HK$152,308
baseline
▲ 0.50% · 4.625%
HK$160,337
+HK$8,029/mo
Deposit HK$28.48M · loan HK$28.48M · min. income ≈ HK$304,616/mo (50% DSR)
Upfront cash ≈ HK$30.90M (deposit + AVD stamp duty HK$2,420,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$155,868
−HK$9,774/mo
▼ 0.25% · 3.875%
HK$160,717
−HK$4,925/mo
Today · 4.125%
HK$165,642
baseline
▲ 0.50% · 4.625%
HK$175,721
+HK$10,079/mo
Deposit HK$22.79M · loan HK$34.18M · min. income ≈ HK$331,284/mo (50% DSR)
Upfront cash ≈ HK$25.21M (deposit + AVD stamp duty HK$2,420,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$173,402
−HK$9,368/mo
▼ 0.25% · 3.875%
HK$178,052
−HK$4,718/mo
Today · 4.125%
HK$182,770
baseline
▲ 0.50% · 4.625%
HK$192,404
+HK$9,634/mo
Deposit HK$22.79M · loan HK$34.18M · min. income ≈ HK$365,540/mo (50% DSR)
Upfront cash ≈ HK$25.21M (deposit + AVD stamp duty HK$2,420,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$181,846
−HK$11,404/mo
▼ 0.25% · 3.875%
HK$187,503
−HK$5,747/mo
Today · 4.125%
HK$193,250
baseline
▲ 0.50% · 4.625%
HK$205,008
+HK$11,758/mo
Deposit HK$17.09M · loan HK$39.87M · min. income ≈ HK$386,500/mo (50% DSR)
Upfront cash ≈ HK$19.51M (deposit + AVD stamp duty HK$2,420,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$202,302
−HK$10,930/mo
▼ 0.25% · 3.875%
HK$207,728
−HK$5,504/mo
Today · 4.125%
HK$213,232
baseline
▲ 0.50% · 4.625%
HK$224,472
+HK$11,240/mo
Deposit HK$17.09M · loan HK$39.87M · min. income ≈ HK$426,464/mo (50% DSR)
Upfront cash ≈ HK$19.51M (deposit + AVD stamp duty HK$2,420,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$233,802
−HK$14,662/mo
▼ 0.25% · 3.875%
HK$241,075
−HK$7,389/mo
Today · 4.125%
HK$248,464
baseline
▲ 0.50% · 4.625%
HK$263,582
+HK$15,118/mo
Deposit HK$5.70M · loan HK$51.27M · min. income ≈ HK$496,928/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$2,420,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$260,103
−HK$14,052/mo
▼ 0.25% · 3.875%
HK$267,078
−HK$7,077/mo
Today · 4.125%
HK$274,155
baseline
▲ 0.50% · 4.625%
HK$288,606
+HK$14,451/mo
Deposit HK$5.70M · loan HK$51.27M · min. income ≈ HK$548,310/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$2,420,925 · Scale 2, in force from 26 Feb 2026)